Financial Audit - Pathetic Simp Drowning In Debt For Mail-Order Wife | Financial Audit

Episode Date: August 21, 2024

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Oh, sure. How long did you guys know each other before getting engaged? Six months out of safety for yourself. Are you positive that this is for good intentions? And you want to be protective. And also comes with a lot of complications, too, because now I have to spend $5,000 on immigration papers. Did you get a ring? It was $2,500.

It was while we were on vacation. Vacation? I had to borrow $1,600 just. afford to go down that vacation. Hi, my name is Mason. I'm 29 years old. I'm based out of Boundamview, California, and this is Financial Audit. Oh, we're the same age, and we have curly hearing glasses.

The whole comment section is going to be like, oh, it's another Caleb twin in the Caleb verse. Okay, well, okay. Or as Noah says, the Ozempic version of Caleb, yes. My producer, so yeah. Osempic. What do you do for a living in, uh, California. I actually work at

a EV infrastructure Tesla? No, no, no. I don't work at Tesla. I work at an EV integrator. They are a competitor to Tesla. What do you do? What's your job? I work as a R&D engineer. It's kind of what I do there. Sounds like money. What are you making?

I make no money, which is why I work there. So I only make $80,000. Yeah, a year. What are you talking about? I make no money. Okay. But that doesn't... The rent there's like...

The rent's like $2,000. What town? Mountain View. Okay. Yeah, it's expensive. Yeah, it's like $2,000 a month. It's like half my paycheck. Oh, $3,000 a month.

Well, how much are you contributing to like retirement? I honestly, I don't even know. I don't look at any of those. Maybe you don't know. You had to have set it up and chosen the amount. I just click through buttons. I really don't know. Well, I can't get into your retirement account, so I wouldn't know.

Why did what's payroll in only 21115? Yeah. Why? That's just... That's not your payroll. It is. 80,000 hours now. Yeah.

After taxes and fees, yeah. That is... That means you're contributing, like, an insane amount to, like, your 401k or something. I... Yeah, I don't know. That's why you feel like you make... Did you give us your 401K statement? I don't even know how to get it.

Are you like a hopeless child? We're the same age. I guess that's funny. I don't, I don't, right. If I think about it, then I would look at it. But why would I, if I, if it just don't automatically, then there's probably the think about a stage would be when we asked you for documents. Yeah. Okay.

All right. So, no offense, but what the fuck, buddy. in no way, shape or form are your taxes going down from $80,000 a year to $25,000 a year. You're not on the top tax bracket. Top tax bracket after everything in California and federal, that's like 50% sure,

but you're not in the tax top bracket. I get paid every two weeks, not every month, so that would be more like, what, 48 to 52? I think if one else gets paid. I just, I feel like it's not 20,000, dollars. It feels it's a little bit more than that. But you just... You just told me that the $21515 that came in

was correct. Yes. That is what comes in. That equals $25,000 a year, buddy. So which one is it? Is that wrong or is that correct? I think you're doing your math to monthly pay, isn't it? This is what came in in the last month. Payroll. That's how I'm asking. how that's realistic. That's what came in in payroll the last month.

I have no idea. Like I just don't account on a monthly basis buddy. Buddy, why is your account on a monthly basis? I expect $4,000. Okay, okay. So that would be a paycheck. Not a month. Yeah, that's paycheck. Yes. Okay. Okay. It's okay. That's okay. I'm just I'm just literally just trying to figure out baseline. Yeah, okay. Now that can be a bit more reasonable. You know, we're talking maybe 50,000 hours a year.

Yeah. Still don't think your taxes would get you to that. But after health insurance, maybe you're doing some HSA and maybe a decent amount to 401K, math could start mathing. Now, here's my question. You said, I'm making no money for the area, which again, 80,000.

dollars does not go as much there absolutely not don't get me wrong i'm not trying to say it does but if you feel like the money that's hitting your account right why don't you look into where it's going i honestly don't ever look at my accounts i just swipe the card and then i keep cash it just gets declined no the pay the pay hitting your account i don't i don't you look i just don't no no no i'm sorry i don't i don't i don't mean these accounts okay i mean your pay Like you heard you grow like pay stubs like where the money. Could you get, could you get access to a pay stub for me?

Yeah, I can get access to pay stub. Yeah. Those are on a platform that I have access to. That you have access to right now. Yes. You pull it up right now? Oh yeah.

Okay. I can show you my pay. Oh yeah. Okay. That's a, that's my last paycheck. Thank you for pulling this up so quickly. You only have 12% battery if you need.

So this was just this was one. one yeah okay very good uh very very very very very good so we had taxes at 27 percent okay but we had post tax deductions at 7.7 percent there we go things are making a little more sense also it's a little more than you suggested so is this an average check would you say i i would be an average check okay so you're actually walking away with $4,564 a month. And after that post-tax deduction, you know, ranging close to that 10% things are starting to make more sense. Okay.

I wish I had a little more insights into specifically where everything went, but that's okay. All right, buds. Oh, my God. You know, I feel like we haven't even, like, started this conversation, but we've figured out the baseline. It's always an interesting one when we talk about the pay and somehow that lasts like seven minutes,

but we're together. That's all that matters. I'm sure we... Twins! Twins. So what's up, buddy? What's going on? Yeah, so currently,

I have a lot of debt and I am currently living out of my least car. I just threw a... Your least car? And just... Okay. Yeah.

So you're currently homeless. Yeah. Currently homeless. Okay. Yeah. I'm sorry. That... Yep.

It's okay. I mean, I'm... Well, how long have you been? It's only like, it's only been like three weeks. Wow, what happened three weeks ago? Uh, so what happened three weeks ago is the, um, guys whose room I was renting out, uh, he ended up selling his property and kicked me out. And because I have no saved money, I couldn't even afford a down payment for another place.

Oh, so what, what was your rent at that time? Uh, the rent at that time was, uh, the rent at that time was, $1,400 a month. That's including utilities. Okay. So with that, I know you had debt, but in what way you're managing your finances in a way with after that $1,400, which is substantial for your post-tax income? Again, we need to look at those deductions.

But in what way were you not saving any money? Like, how are you living? Because I've been trying to put a little extra towards the credit cards. Yeah. So I like, so if the credit card says, oh, it's $200 a month, I would be like, okay, $250. If it said it was like $178, I would be like, okay, 200. So like, I really don't know how much that he goes out to. I don't really look too hard at my balances or where stuff goes.

I just kind of like no stuff goes places. Is all of Mountain View pretty safe or are they dangerous areas? No, most of it's really safe. Okay, well, good news then. I am seeing some places for like $2,000 that are one bedroom. Yeah. Now, yes, you know, you have to pay for background check sometimes, application fees, security deposits, sometimes first month last month, you know, things like that. Here's 1.9,000.

It's right off a highway, so it's a little noisier probably, but it is there and it actually looks pretty nice inside. Like 2000s still like my entire paycheck. I get that. I get that. It's too much. Yes. I get that, which is what I was saying. what we have to do is if about 10% are going to, you know, retirement income.

You might need that 10% right now. But isn't like the whole thing supposed to be that you're supposed to put as much as you can towards your retirement income? Quiz, pop quiz. Sure. Are you homeless? Yes. Oh, that's interesting.

Yeah, I think we solved that. I have a place to sleep. In your car. That's not necessarily safe, though, man. That's not necessarily safe. And, you know, if a frequent storm happens and, like, for some reason you don't have gas, like people have gotten in trouble when they live in their car in those types of situations. Of course, that's a rarity, but even still break-ins and different things.

You know, showering is less convenient. It's harder to live. Even though you're saving money on rent, yes, it's harder to save money on these other things. You're going to be eating less healthy. Your sanitation is going to be less healthy. There's a lot of downsides. And again, just basic safety as well. So what?

your plan is to live in a car until you're 59 and a half and you can start taking money out of your tax advantage retirement accounts. I was planning on my car until at least I feel like I have a better handling on my situation. Now, why do you have to live in an expensive place like this? With your background, it seems like you might be able to get a good job. Clearly, you're not from there. You have a shirt on from the land of corn. So, why do you have to live in one of the most expensive cities in the world? It's because I actually never went to college.

But have you built up the experience now on the resume? I guess, yeah, you could say I built up the experience on the resume. But I just feels like it's so hard to show that when most places are expecting, throwing your resume through an AI and be like, unless you say bachelors, we're not even going to look at your resume. They don't care. you have four years of experience being a integration engineer for a company that does millions in revenue. Yeah, it's certainly complicated. It really depends on the industry and it depends on the job market. There is a certain threshold where to recruiters and to certain jobs that are certain amount of experience will essentially negate, you know, the education thing that's there. Because, you know,

bachelor's degree is 20 years ago and you know you have like 20 years of senior level experience. You know, that's what's going to take the priority. There's a certain level. It's not like there's a perfect math behind it and where that threshold hits on some bell curve. But, you know, I would be curious to see like, what does your resume look like? Is it horrible?

Is this shit? And honestly, I'm not saying to lie. But who checks? They don't. They don't. They don't. Yeah, exactly. They don't.

I know. Because clearly this is not working for you to be there. This job is not enough for you to live there in your current situation with the mess you've gotten yourself and while also trying to contribute as much as you are to retirement accounts. This is not working, flat out. Or you're just going to need to get on a roommate website. There's that option as well. I obviously haven't done that.

You know, I'm just looking at you renting your own one bedroom, one bath. But, you know, maybe you're renting a bedroom with a shared bath at a place with like four other dudes or something, you know? What? Four people. That's crazy. You're living in a car. Shut the fuck. I don't know.

Yeah. I mean, fair. Sure, that's fair. But still, I don't know. It's never lived with other dudes. I lived with two other people before. When I, my old living situation.

But, like, it was kind of, like, separate. It wasn't. Yeah. You would get your own room, but you might share a bathroom. The sharing of the kitchen is the hardest part. That depends. on who you live with. Hmm.

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I mean, that's fair, but I don't know. I made the choice. I figure, like, I could do it. So you want to. I feel like I don't really have very many options. So I feel like that the best option for me is just to stay homeless and just use the facilities. How long have you been in Mountain View? Me?

I've been in Mountain View for two years. Okay, so what has the living situation been throughout then? So originally I had moved to California and to be with my then X. And we ended up getting a place together. And so I paid for most of the stuff. So I paid for the initial move-in. I paid for most of the furniture. I paid for everything else.

And then paid for some cats that is basically entirely on a Yeah, totally on a credit card. But paid for that. Pay for the cats. And then she ended up kicking me out to be with somebody else

because I didn't do enough for her or something. But tongue skills aren't on a point. That's inappropriate. That's inappropriate. We don't make those kind of jokes. I make those kind of jokes. okay but what does that actually mean in all serious like it means that uh there was at least 12,000 in debt at that point in time and that is you not doing enough for her yeah that was yeah

i mean i can't see you as someone who wasn't contributing in a way and may not have the future that she's looking for that's not an unreasonable reason to break up with someone necessarily yeah like i'm not saying you're this person but i wouldn't want to be a with someone that doesn't have any kind of ambition if they are kind of like stagnant in life. Again, not saying that's you, but I can kind of like correlate to if you're seeing someone who's in a lot of death,

they're not really getting out of death, they're not really having the discipline in the future to get out of it. Is that who I want to lock myself down to? Now, kicking you out, that's different. Especially to bring in someone else right away, that's certainly different. Like I would want to give you a, like, you know,

three months thing. The thing is like the debt was not, it wasn't there before. It was there because we decided to move. Yeah. Right? All of it? All 12,000?

Yeah. It's expensive. Yeah. Well, that's certainly not pet fees. No, it wasn't all pet. Like, it was like a $4,000 bed. There was like a $1,200 TV. Okay.

Yeah. There was a $500 nightstand. Not a nightstand TV stand. The couch was like... So she specifically brought up the debt is the reason to break up and kick you out. No, she didn't bring up the debt. She just said that we weren't going anywhere. Oh, then maybe you weren't going anywhere, buddy.

What? How do you bring? Okay. But like, it wasn't like I wasn't doing anything. Yeah, but she said you guys weren't going to her. Paradei presenta. Ojos with Alerjia and Picasson, contra the gardenero. And the ganador is, Parade, extra-fuerte. To alleviate la picazone of the eyes for allergy,

act more rapidly and super clarity and flownays at only at 24 hours. Parade. Adelante. The thing is, is like, she didn't like you anymore. But the thing is, like, she's not entitled to like you

that was two months after we moved in trust me I'm not saying she's right for the kickout but if someone's not feeling it they're allowed to break up of course yeah no no I understand that I'm not

but the kickout that kind of sucks how quick was their turn around between get the fuck out and you had to get the fuck out it was it was basically like a week it was like oh hey this new guy's coming over now this new guys coming over that That's fishy.

Yeah, I know. So then you had to like scramble and find a place. Yeah, I had to scramble and find a place. Yep. And I got lucky. There's just some rich guy was like, I have a room available. I'm like, okay, sure. Well, speaking of rooms available, we've done the research now on the roommate site.

If you go to roomies.com slash rooms slash Mountain View, California, lots of options under $1,200 a month. And a few options under $1,000 a month. You can do that. You just need to be a little humble. and accept that you can live in a place where other people use a kitchen besides yourself. I mean, okay, yeah.

I could, I could. I could live in a place with somebody else for $1,000 a month versus staying in my car. I don't want to, but I could. Have you found a new girlfriend yet to live together in that area? Yeah, so I actually did meet somebody else.

Oh, good. Okay. Yeah. Within the last year, she is actually, she was a foreign aid teacher that they gave a visa to to basically support teaching in the area for a year. So she's not a U.S. citizen is kind of what I'm getting at. Oh, sure. Okay. Okay. So, but we're already engaged and we're, we're, so I got to say.

on like oh you're engaged yeah she had to go so she still has to go wait what visa was she here a j1 j1 okay yeah and in a chine she's here no no she's already gone back back in july time back to where back to china to finish her master's because she still has another year of master's you met her in person though i met her in person yeah yeah yeah when she was because she was teaching here in america how long did you guys know each other before getting engaged um six months okay uh i just i mean you know i just want to just out of safety for yourself, are you sure? 100% positive that this is, you know, for good intentions. I just want to be protective.

Yeah, that's always the first question everyone asked. I know, and I feel rude for asking. I really do. I know. And it's, I understand where it's coming from. Yes, I am sure because the original discussion was like, I have to go to China. Okay. But the problem is that there are restrictions on being able to immigrate to China.

is a lot really, really stringent is collapsing, yes. It's really stringent. Like you have to have, you know,

a bachelor's, you have to have four scientific papers written. You have to be 15 plus work experience, right? Yeah, that country is destroying themselves. Yeah.

So the only other conversation we were able to have was, well, maybe you have to come to America, right? But then that also comes with a lot of complications too because now I have to spend

$5,000 at least on immigration papers, not including potential lawyer fees. When she's here, you guys are you guys going to live together is that going to solve the living problem? She's going to bring an income.

That's the hope. When is she coming? So it depends on the lawyer situation. Oh. Because her J1 visa requires a two-year. All right. Two-year. And then she can come?

And then she can come. But- Oh, fuck me. So we got to figure out your situation. I don't give a shit about that then. No offense. That's too far away. I need to figure out you now. We've got to jump into these finances.

We've been talking about setting you up now. for a bit. Self-assessment, before we jump into this first debt, where do you think you are on a financial scale? Zero being the worst, 10 being the best. I would say two. Got your hammer financial score? It's free. Link in the description below. If you have any interesting situations, any financial situations that you need help with and opinions you want challenged, feel free to come join me on the show. Go to Calebhammer.com slash apply. So, U.S. Bank. Yeah. Now that's an American bank. That's a bank. That's a bank of freedom. You owe

three thousand, yeah, this is a lot, $3,793.77. And these minimum amount of payments, you and your situation without having been any money left over, $123. These monounmetamount payments are going to stack. Yeah, that's only, that's only one of the U.S. bank cards. Why the, why? But you don't have rent anymore, so your expenses are a little lower.

Why the possible, fuck. Are you purchasing $108.53 on this card that is accruing $82 in interest that you're basically just making the minimums on slightly above? But why? Why are we purchasing? The balance went up. Oh, okay, balance went slightly lower. Even though you put $200 stores, it's because you got a payment credit.

That's the only thing that saved you. It went down just a little. It went down. Just a little, even though you put $200 towards it because you're purchasing on it. Why are you purchasing it on a car that you cannot pay off that is accruing $82? to 64 sense of interest. And what kind of behavior is that? It's probably I needed food.

So this is the situation that you align yourself in now, because you do not have a place to live because you're not willing to get a roommate because you're a child. I'm not a child. Well, adults sacrifice and get roommates. That's why I'm sacrificing and living in my car. No, buddy, but that's not an acceptable option. That puts you in danger.

That is not when an adult doesn't put themselves in danger. I don't see it as being put myself in danger. Well, I don't give a shit what you see. That doesn't matter. That's not safe. And also it's unproductive to a lot of parts in life. Again, now you have to shove likely less than healthy food in you. You always have to figure out where you're going to put your car.

Sanitation is a completely different story. You've got to stop somewhere just to take a shit. And you got to brush your teeth somewhere and shower and figure it out. Yes. acting like a child is not willing to share a kitchen with someone. That is being a child. I don't care if you're offended by that. People are willing to share kitchens.

I've had to deal with really bad roommates. Yes. Bad roommates suck. Yeah. You, that's the fuck out of people. You'd be going to lunch with them a few times. There is a lot of things. I've had a bad roommate and I've had plenty of good roommates.

Good roommates can be good. You might make lifetime friends with them, buddy. I know a bad experience like that might turn you off from it, and I do get that. Getting over that hump might be difficult, but it is something worth at least talking to people about. Fair. A thousand dollars, we found places for a thousand dollars,

where you could rent a room with people, looking to rent a room. Yeah. So, well, you're paying for parking. I don't think we're shocked. They're auto parts, so we're getting things for your home. I guess. I don't even remember what that's for.

Showplace icon? Oh, I have movies. That's not I need food. That's not getting food. You can't afford to the movie, go to the movies. If you can't afford to have a roof over your head. But there's some movies that are like going out and watching. It's not a, I understand it's a luxury, but it's like, I don't do it very often.

How do you justify doing it at all? The basic things that you have to take care of, just as a human being for, just any sort of decency. There's also, I can't say this for a fact because it's going to determine on the person to person basis, but a lot of people lose their sense of humanity when they find themselves in homeless situations, which you are. I know you consider you a car that right now. You've only been doing it for two weeks, but I don't want you to lose that either. And no offense, actually, offend you, I don't give a shit. A movie is not more important than your humanity. It's not. Okay?

Starbucks. Coffee. I know. You said it's just getting food. It's not just movies. You're getting auto parts which you might need to get and you're getting coffee?

No. Child. When I said child, this is what it means. And then Wink's out for $22. You could get cheaper food if you have to survive. Get a sub for like five bucks.

Or get a cooler. We get a thermos. What do you want for yourself, buddy. What do you want for yourself? You seem content. You come here. You want, you, you want help, but you seem content. I live in my car and it's okay. What do you want? What do you want? What do you want to do? I would ideally want to help a little bit within my situation. Like, if I felt like I could afford to do more, I would do more. I just feel like I can't. Feeling's not a...

That's not reality. That's not reality. I get panic attacks a lot. That's a feeling. It's not reality. My body's telling me that something bad's happening, but nothing is. I don't give a shit if you feel like you can't afford anything. Mathematically, if you're willing to share a kitchen with somebody, you can afford it.

With your $4,000-whatever dollars, you know, $3,793, it's, you know, a thousand, let's say you do $1,200, which there were tons of options for, tons of options. and we can send you the link for after your contributions because you'd rather contribute to retirement than have a roof over your head, we can still get you to spending 31% of your income, 31%, which I will accept on rent to get a roof over your head. I don't care what you feel. That's math, that's reality,

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Which isn't ignorance then? You're just choosing to be oblivious. Yeah, I wouldn't call it ignorance. Yeah, because you know. I do know, yeah. You're obviously not a credit card person. I'd use a charge card more like Fizz, helps build credit. But you have to pay it off.

You're just not disciplined to be able to handle these unlimited amounts of money to spend without having to pay it off. You're just not. Okay, we have a line of credit. this must be your checking account credit union, yeah. That's a credit union. I had a late charges. We're late.

You don't even spend money on rent anymore. Okay. Okay, you're choosing a movie theater over rent? Okay. But now you're choosing a movie theater over literally just paying your minimums. I will come back to the word child again

because that's what a child just chooses. Going and watching Thanos kick someone's ass. is not more important than paying your minimum fee payments. I'm seeing Deadpool the Sunday. I'm very excited. I can't wait. It's going to be a good time.

Because I'm paying my payments. I want to actually go see Deadpool. I'm, yeah. Congratulations. Make your payment. Yeah, that's my plan actually is like go see it later. Today, what? Yeah, later today, yeah.

I was going to watch that movie. You don't give a shit. I do. No, you don't. Oh, don't do that. No, you don't. What a joke. No, you don't. You're willing to just go have these luxuries instead of literally pay a bill on time. You don't care. You wouldn't be going and doing it today if you cared after having a conversation with me. Uh, if it makes you, is, is that the reserve

line of credit that's there? Or is that, what were you going to say? I was going to say, I actually use that, uh, to, uh, cover not paying for the other credit card on that account. What? Sometimes. Huh? So the, if there's not enough funds on my account in that credit union, right, the reserve gets pulled first because it's going to go negative. So it's supposed to catch that. Yeah. And then you're not even paying your reserve minimum payment. Yeah.

So that doesn't mean anything. Yeah. Yeah, that makes me feel so much better. And good job addressing the, and laugh all you want, but good job addressing the fact that you're going to go around and have a luxury instead of just literally taking the money. care of the minimum thing in your life. You don't even have a response to it. Not really. What are we doing here, man?

This is like the most disappointed I've been in a long time. And I'm sorry, I don't want to make you feel bad. But so much of this is just your choice. If you were homeless outside of your own choice, I would have so much more sympathy. But you just literally will not share a kitchen with someone, instead of paying your minimum defamance on your bills that are protecting you from overdrafts,

and don't get me wrong, there are overdrafts coming, spoiler alert, but you go to see Deadpool and then two other movies spending upwards of $100 this past month at movie theaters. What are we doing?

That's why I'm disappointed. That's why I'm having a hard time bringing sympathy right now because you're doing that. The ex-girlfriend thing, yes, that was beyond your control. I'll feel sympathy about that. That was also a year and a half ago or whatever.

So it's like, okay, that's not now. Right now you're choosing this. So new wifee is going to be coming over she's going to be coming over to when she wants to cuddle in the living room she's cuddling in your trunk no that's hilarious no that's not what I was planning I was planning on

like you know paying some of this down to be able to afford by missing your payments for going to the movies to be able to afford to get a place for us I don't know what the normal minimum monthly payment is it's 55 now but there's a past due

I think that just got added to the balance of course there's interest occurring It's $518.71. So, now, $500 credit limit. So guess what? If you have less money, it's not going to pull from this. They're above your credit limit. Yeah.

$55 minimum amount of the payment. Gosh, I just, I... When she was... When was the last time she was here? She was here July 10th is when she had to go back. So she just left. So how did you guys live together? Because it was before July, we had my old living situation.

And then the last month of July, I spent $600 on a hotel for a week, right before she went back. $600 for a week of living. When we now know if you spend an additional $400, you get four weeks of living. What are we doing? Well, at the time, what I was doing is I was like, oh, a place to rent is $1,800 a month. And then the hotel was only like $73 a day. So it's like the same price. I'm like, I can deal with that.

How are you guys doing this wedding? You're not going to try to have like a wedding, are you? Do you get a ring? I got a ring, yeah. Please tell me this was like a pop ring. No, it was $2,500. And it was while we were on vacation.

And I technically... Vacation? How are you? And I had to borrow $1,600 from my friend just to afford to go down of that vacation. Oh! When? back in March maybe

yeah earlier this year I don't remember exactly when it was real talk man legitimately real talk not even for the episode or not even for whatever this can be on camera this can be on camera or whatever I can just like this is I I don't you're this is terrifying I don't think you understand how bad this is

You are really walking yourself into the fiery pits of just death. You have no idea how bad this is. What you are doing right now. And just borrowing every cent of your life to do that. I don't know, man. I don't think you realize how bad this is. This is one of the worst overall situations, even though we haven't looked at like payday loans or anything like that.

This is one of the worst things I've ever seen. You cannot be doing this. You cannot be doing this. To be fair, the money I borrowed from my friend was guaranteed to come back me through my company. So you were just borrowing a future paycheck? You took out a payday loan. Kind of, yeah.

It was different than a payday loan because it was more like it was like an equipment. Buddy, it was more than what a month of the rent would have cost on what we just, what the site has, dozens and dozens of options. Yeah. So I don't give a shit. What was the vacation to? Uh, it was to L.A. All right.

Let's keep filming. I feel actually kind of like gross. Like, you know when you just kind of feel like a little sick? Do you ever get that? Or you like maybe eat a meal. It's a little too naughty. You just kind of feel, you just get a sense of sickness. Yeah.

I feel that. This grosses me out. Why? Are you fucking kidding me? You don't understand what you're doing to your life. The wedding ring, borrowing from your friend a future paycheck, not being able to live with someone because they use the kitchen.

I don't know. It's like you were hatched out of an egg or something, man. I don't know. Skin care can be a lot like finance. It's something we all need, but a lot of people have no clue where to get started. I've been trying to level up my skincare game and my toilet paper fund could barely handle all the different products I was buying.

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this Amazon card Amazon's the last thing I need you to Where could they even deliver for you? I used to have a place I know Then you chose not to get one And didn't use the extra money that you're saving On that to actually do any progress

Great You owe $1,450 to 70 cents The $47 minimum fee payment Oh wonderful Wonderful We're making so many good choices in life We're making so many good choices. You're purchasing an extra $1.17.43.

That was her a gift for my mom. Oh, wonderful. Wonderful. Yeah, her son's homeless. I don't think you're getting a gift for her. For f***ck's sake. $33 and 50 cents of interest is occurring. Are you kidding me?

Gift. Gift. Gift. Gift. Three different purchases. Just like you told me with the last card. Oh, I'm just going and getting my meal so I can eat. movie theater and all the other

shit. No. Here, oh, I guess getting a gift. Three different purchases. US bank credit card. It's just that you do not give a shit. That's what's pissing me off. That's why I'm really mad right now. I'm sad and disappointed for your life, but I'm pissed that you don't give a shit.

$3,482 out on this one, and 19 cents. I have not been this man on a very long time. $133. Thank you for not purchasing anything. Oh, but you're a book. Oh, okay, no. You're approaching your credit limit.

It's probably because I don't use that card very much, so it's just... Yeah, I don't think you're using any card. Sorry for an interrupting you, but I don't think you're using any card. That's okay. Let's keep going. A visa through some credit... Oh, those balance is insane. It's basically after credit list is, what have you done?

What have you done? That's the card I... Not only, but most of that balance is from my cats. that I have since gotten rid of. What? What? What $10,000 cat do you have? I had two cats, and it was $600 every two weeks for the first six months,

and then the one cat had to get eye surgery. What do you mean? For what? There's shots and stuff? I don't know. That's just... Wait, how many months? How many months?

For the first six months of their... Every month for the first six months? Every two weeks for the first six months. Jake, you have a thousand cats Is that how it works? No, apparently that's insane For dogs it was like three rounds of shots When I got mine

What are you talking about? That's what I was That's the uh Why don't you adopt from a shelter That like does the shots And usually does like free community shots as well You couldn't afford this That's so irresponsible and unfair to the cats

I've since gotten rid of them Because I can't afford them Yeah, that's even more traumatic Yeah But I already already paid for everything for him But the next, I don't. I really don't understand the f*** every other week for six months thing. I am not heard of that.

That's what the vet that I took them to. Were they sick? Was this, were they getting shots for something specific, a disease? No, no, it was just generic shots. The only extra expense that I got from the cat was the $2,000. What did you get them from? Where did you adopt them from? Oh, I adopted them from a rescue shelter.

So they were already spayed and neutered, so I didn't have to pay for that at least. Really, the rescue centers out there are, f***. Yeah, the, when I return the cats to the shelter, the person who's in charge of the shelter was all like, I don't blame you for getting... Were they kittens? They were kittens. Yep. She's like, I don't blame you for giving them back because you were pretty much scammed by your vet is what she told me. Oh, why didn't you start with that?

Why don't you start with that? Why don't you... Okay. So, either way, $10,000. Is that math adding up even still? No, that's not all of it. That's probably about $6,000 to $7,000 of that was from the cats. Because the other one was a previous balance that was just on there.

Get the rabies vaccination once, and then you get that, I think, every year. Oh, two, two. Oh, wait, no, no, once. If they're an indoor cap. And then you get the initial vaccines, which are in four rounds. So what you just said does not add up in any way. It sounds like you needed five different rounds, potentially. They're an outdoor cat, a couple extra, two extra doses of the F-E-L-V vaccine.

Yeah, the feline immune virus vaccine, yeah. Which even still, I mean, that does not bring you to the 12 rounds that you did. Yeah, I understand that now because, you know, as I told the, the shelter, when I gave it back to him. I just can't afford them. There's no reason why you can't afford them. Okay, so you already did it then. Why didn't you keep them?

Well, obviously, I'm glad you did it. Yeah, it's because there also... I still don't know how this added up to $10,000. It was literally only cats? No, no, it's not only cats. There was probably an existing balance of like $4,000 prior, maybe $3,000 prior to that. When didn't you have pet insurance?

It was deductibles you can hit. I wasn't aware of pet insurance was a thing at the time. It was insurance for everything. I'm sure there is. I just wasn't aware that it was a thing. Okay. UUW Credit Union. No.

Here we owe $9,851.663 with $197 minimum payment. Yeah, these minimum payments have a... They're adding up. I do put more towards the minimum monthly What I notice is you put just a little more towards most of them Just a little more even but then you go and purchase and ruin them But you didn't on this What is the purpose of putting just a little more on them across the board

Instead of focusing on one Because what I look at it Times on the show So what I'm doing right is I see that And so they're like okay well here's the minimum monthly Right it's like um $123 And then you go and they're like Now your percentage

APR or whatever. Now we're going to take $120 and add it to your balance. And now you're only paying $3 a month. I get that. But again, this isn't a debt payoff strategy that really anyone recommends.

It's either pay off the smallest balance when making the minimum of your payments on everything out so that you start snowballing the debts and collect the minimum fee payments that traditionally go towards them and put them towards the next step that's called the snowball method

or the avalanche method where you're attacking the highest interest rate debt while paying the minimum wage payments and everything else. You attack one at a time. Those are both the debt payoff strategies that people are

recommend. No one recommends pay a little more across the board because you're not making progress. You're not releasing yourself from the highest interest rate one quicker. You're not releasing yourself from the lowest balance one quicker to collect a minimum fee payment there. You're not doing anything to make progress towards anything helpful for the overall payoff journey. Yeah, I realize. I'm not mad at you for that, but I do want to correct that behavior. Yeah, I realize that and that's kind of like one of the reasons I kind of like reached out of it because I realize that I don't know what I'm doing and I'm

just making it worse. Yeah. Well, yeah, if you purchase on your debts, it makes it worse. You're not a credit card of person. I want you to have credit so you can get an apartment and shit, but I mean, you have other loans. I'd close your credit accounts. You just can't be trusted. I have access to credit. You can't be. You can't

be. We need to improve your income situation as well. Not your income, but like the income versus the cost living. Or your retirement thing. gosh, if you could move... Okay, well, I don't know. That's not going to be... You never got your pastures to me.

That's fine. I'm always able to give you tech certifications through course careers, but for what you're looking to do, you know, I think that applies to most people, but maybe not you. Okay. We'll talk.

We'll think. I'm trying to have a little brainstorm. That's at 18%. Yeah, it's actually one of the lower ones. It's a little bit nicer. Okay, so we have a Hyundai. Yeah, that's another... Conan, yeah, that's another beast.

Huh? Yeah, so... It's another beast. What is? Oh, the balance? Is that what you mean? No, the balance, it's the... Returning the car is going to be the problem.

Because... Returning? Yeah, because it's a lease, right? So I have to return it. I forgot. We haven't had someone with a lease in forever. And so the problem I'm having right now is that the original lease was for 3,000 or sorry 32,000 miles and it's currently sitting here across the term across the term

I'm currently sitting at what was the lease length uh 36 months okay but I'm currently sitting at 38,000 and there's like how much longer's left uh October this month or this year sorry October this year okay what's your cost per mile yeah say the problem is it's like $1,500 per thousand miles or I think it's either for per thousand or per 3,000 miles. How many miles over are you? I'm currently 6,000 miles over. So it's at least... Wait, wait.

How many miles did you say you're at that you used? It's 38,000. And how many miles were you allowed to? 32,000. Oh, fuck. Yeah. Okay. So you think about 1,500 bucks?

Or 3,000, depending on how. the how much more you use from now to that yeah oh man yeah leases are and what are you going to do about your car situation which is your living situation in october i so the two options i was thinking about doing was um extending the lease for a little bit longer which would basically just force me to pay uh essentially what it would be like eight thousand dollars a month would a value at the current value or at the perceived value at the beginning um of the lease where it said the value would be at the end? I'm unsure how extending leases work.

Would it be an extension or would you be redoing a lease? Yeah, I don't know. The other option is to buy the car for $26,000. So that's what they valued it being at the beginning. Yeah. At the end of your lease. Now that's what I'm wondering if they calculate the new lease off of that or if they reassess the price.

Yeah. And then so the option is to buy it at that break. So you're getting kicked out of your house again. Yeah. Okay. Yeah, that's all right. No, it's not. But the, yeah, and then hoping that the,

the hope is that the dealership will buy it back for a reasonable amount that is less than what I would end up owing after returning the car if I do end up buying it or hoping that they can extend it. Yeah. I'm curious what the private market value is. Okay, they're going to do it. What's the condition of the car? It's used because...

What's the condition of the car? So, it's pretty good. There's some scratches on the inside. Yeah. Okay. Because the tools and stuff I just carry for work inside of it. 38,000. How many miles do you think you're going to put on it?

That doesn't matter. Okay. We're going to figure that out. I'm curious. Yeah, you might have to redo it. Yeah, but this is $521 a month. I mean, it's a lot. Add these all together.

These are what's fucking you. Why do you feel that you can't afford rent? $521 a month, $197 a month, $133 a month, $47 a month, $55 a month, $123 a month. No shit. I feel like you can't afford a month. Rent, you put everything in your life on debt, and now you owe the minimum monthly payments of it. And you're going to owe $1,500 to $3,000 for the extra month. Yeah.

This just keeps going, man. This is just like a rabbit hole of debt, I swear. Yeah. Okay. Your car situation, man. And you might have to look out of that area specifically, because sometimes areas like that can be a little more competitive, driving some used car prices up.

But we might be looking for a $10,000 car. Yeah. Bite the bullet and pay that extra thing, but get rid of the $25,000 because financing that would be rough. Because obviously you can't pay for it in cash or leasing it again. But again, I don't know what their value in the car at. I don't want us to get in a rough situation. And with that, who even knows what their added in fees and everything into the lease?

For you. Yeah, the other bad thing about that car is the insurance cost is like $180 a month. It's not the worst, but it's high. Yeah. My old car was only $76 bucks. Okay. You might get lucky with a... That's trading.

Can you get me private? $24. Hmm. It's about what. It's about what it is. Well, in terms of value, it wouldn't be the worst purchase or lease to do if you get it at that. I'm just afraid that your lease will continue to be a monthly payment that you can't afford. Or your car loan is going to be so bad that the interest rate is going to be in like the 15, 20, 25 percent range. And you'll extend it to like eight years to try to make it affordable and it would just get so bad.

I don't know. If I get a carline, I'm hoping that you'd have to call on, I'm hoping that you, credit union would give me one again credit score uh it's 625 good luck right now man i mean you'll get a car loan yeah probably from ally bank you're gonna get a predatory car loan yeah my first car loan i got was uh 27 percent car loan and i added and i basically paid for that for two and a half years and it ever went down because of the interest rate it never went down And so I ended up going to UW credit union And they ended up giving me a 3.99

And then paid off that car Wait, sorry, we have a little bit of confusion Did you say 1.5,000 to 3,000 per thousand miles over? I think it's or total. I think it's every 3,000 miles, it's $1,500. Okay. Because I don't remember, it depends on what the contract says. I wasn't sure if it's 3,000 or 4,000 miles.

It's an additional cost. Gotcha. Okay. Yeah. Apple, it's another huge balance with a huge minimumity payment. Yeah, that one, the APR is killing me. $5,793.57. The minimum fee payment of $191.

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I say that. I've said it so many times, and it always ends up being true, and I'm just like, what is happening? How does this keep happening? What does this keep happening? What does life right now. And I'm sorry for you that you'll... I am sorry that you're going through it. So many of it is your own choices. In that part, I have less sympathy for. But I am sorry that you are going through it. Minim minimum monthly payment. Uh, one 91 and the interest are currently at 27.24% interest rate is $132 a month. Kill me. Okay. Yeah, that one's really killing me too. Yeah. So $3,000 is what you're going to have to owe to them in October. That's interesting. So, interesting. They'll come hunt you down and they'll take that vehicle. If you don't, you turn it. Uh, you might send that extra

to collections or something. You don't pay it. How were you planning on paying for it? I was hoping to get a car loan, but just probably predatory car loan. And I was hoping that the- So you're going to roll that extra 3,000 into it? Or I guess if you buy out the lease, you might not, you wouldn't have to potentially yeah yeah i think i was a little over on mine as well but i paid out i had a lease on my jeep um when i very first moved to austin it wasn't it was like the last bad choice i've ever made with finances thank goodness um but i bought out the lease almost immediately so it didn't matter yeah if i can if i buy out the lease and then just resell the car it should give me back to where no offense but in why don't i keep saying that i don't care if you ever found

I just want to give it straight at all times. There's no point of stepping around. You live in Silicon Valley. You live in that whole Bay Area. I know for a fact that you could live in a place, pay this $3,000, call it good and bus. Bus everywhere around the valley. Oh, yeah.

Yeah, there's a... Get rid of the car. The public transportation in the valley exists, for sure. the some of the problems are is that it's kind of expensive and it takes a long not expensive concern to a car of course right then i don't give it but it takes a very long time to get you don't give a shit that you don't have money you're literally homeless i don't care you're a yet really homage 104 dollars in your checking account yeah that was after i purchased the the room for yeah that's so stupid yeah that's also because i was

this is insane oh my fuck are we doing yeah PayPal in out $135 $1,000 fork

uh able Amazon purchase go inside a gas station getting some bullsh some chocolate Uber trip you have a

you have a you pay an infinite amount of money for it fucking pay for it going to a restaurant paying for Spotify ads

you can't afford to put a roof every you have listened to fucking ads carboo coffee you're not getting coffee

Starbucks maybe a restaurant right there an apple bill home eat ride to PayPal and Mountain something in that area

I don't know it was so hard why are these cut off $48 Venmoing out oh that was $600 was that made your friend back

yeah I was paying my friend back jeez Apple bill why do you have so many in-app things yeah this is insane for someone who cannot afford to pay their

minimum on their that one of those debts yeah they're just phone games? Great! You're not doing that. Play the game of life where you exist and make progress. Apple bill. Apple bill. In app purchases. Ding ding ding. Cinemark for spending more on movies. Starbucks, Amazon. Forkable. Taco Bell. Forkable. Teaspoon. KFC. Outdoor supply. Expedia. Fuck you, Expedia. Buddy. No. That's not a choice. You're not

flying. You're not traveling right now. Apple bill. Taco Bell. Zell instant? Your instant transferring? Oh, you have to pay extra for that, don't you? It's like five bucks. Yeah, you don't have money. Overdraft fee, overdraft fee, overdraft fee, overdraft fee, and sell instant. And then this AW credit, qualifying services, $10, the fee, fee there, $100 in overdrafts. Guys, accidents happen, and when your pet gets really sick, it can be a financial nightmare. From eating something they shouldn't to serious illness like cancer,

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Click the link below to secure your pet's future and gain some serious peace of mind. Don't wait until it's too late. get protected today. Good. We'd rather play in-app games and overdraft on our money than have any care for our future. Like, I don't know what to do with that.

If you'd rather go to the movies and play in-app games, like, what the fuck I do? I am not your solution. I can call you out. I can let you see what your situation is. I can put it together a budget. And you're going to go through the budgeting program just like anyone else who's on this show,

which is really exciting. You can go through that, go through the investing program. It's all bundled at a lower price right now. But it's like, what can I do? Always gets messy when the papers go flying. Miscellaneous bullshould is $13. You're spending $8,602. Bullshund foods, $2,000.

Unknown shopping, really hard to tell what it is. Whether it's going to gas station, it gets a bullshit Amazon, tons of Amazon. $692 or 10.5% you're spending. Other large purchases, 3,000 kill me now. So other large purchases were... PayPal and out... Oh, and then paying your friend back, 1600. Expedia, that was dumb.

Zelling out, $748. And extend stay hotel. Okay. I want to... I want to... I want to help. Whoa, whoa, whoa. What can we do?

Do you have any... other minimum monthly payments that we do not see. I don't have any other minimum monthly payments, but I do have a failing-ish business for shirts and t-shirts design. I give about $300 a month to five part-time workers in India. What?

Yeah. For what possibly? What are they doing? It's for expenses for like Shopify, for something like Who's buying your clothing? Right now we only had like three purchases. That's why we have to like spend money on advertising.

This is premium t-shirt designs, ladies and gentlemen. Our new dirty money V2. You like that plug, look at that. Look how you set me up for that. Who knew that was coming? That's crazy. $300 a month? For what?

What are these designs? What do they look like? They're like, like some of them are anime designs. some of them are... Do you own the rights to those anime designs? No. Oh my death.

What are we doing? Stop this. Stop it. Stop it. Done. Cancel. End it. Burn it.

This isn't a thing. Not right now. Yeah, it's not even your own... Dude. Like, before you get sued. Just stop. You can't afford this. You're losing $300 a month and you sold only a couple of things for a...

No. No. No. Okay? Okay? Okay? can make money in the future you're not you do buddy

you're homeless right now you have no money you are missing your minimum wage payments you are overdrafting on checking accounts you can't do anything you had to put yourself up in a hotel when your future wife was here because you don't know how to not live in the backseat of your car I don't give a shit if this makes future money that's great you do that

when you're out of doubt you have a fully funded emergency fund and you contribute enough to your retirement and you're able to live within a 50 30 20 you are not doing this you sold three designs and they're not your designs you're going to get sued so I don't give a shit. It might make money, but guess what? They're going to take it. All the people who own the designs. Oh, my fuck.

Oh, my fuck. And now my producer is telling me oh, my fuck. That you're, oh, the amount of money you're about to spend on a China trip soon. Oh, yeah. All right. You know what? I think we're going to save that for the post show, because I honestly

cannot take any more in this moment. And that's not even a part of your bills, but yeah, he knows more. information that he's going to bring in. I want to look at your finances now. We'll talk about that in the post show. I'm going to create a budget for you, but I have, this is the least amount of hope I've had in a long time. Maybe I look like a piece of shit for that. That's fine. I'm like, I'm destroyed right now. I don't know, just the way you're living and your lack of care and I don't see anything happening. So, housing is nothing. For your food budget, it's, for your food budget,

hard for me to tell because you're in like a weird food situation. It will give you a little more because of your thing. But try to have a cooler the best you can, $400. T-P fund, I'm going to give you a little extra $200 because you're going to have to go into places and to take care of yourself and all this stuff. Are there ongoing co-pays, medical expenses, anything? Oh, my gosh. I completely forgot.

Oh, my gosh. I'm going to die. Yeah. So I got into a motorcycle accident back in October, had two surgeries. Oh, my gosh. Yeah. You okay? Oh yeah, I'm mostly fine.

I got to get a metal plate removed later, but mostly overall okay. However, just this last week, I received the first bill from the ambulance ride. Only $580, but it is $580. I have not received a bill for the surgery yet, nor have I received the co-pays for my insurance, which is a $4,000 maximum, if I recall correctly. How much was the ambulance again? That was $586. Okay.

I think we will be able to pay for the ambulance by you getting off the f***ance and living with a roommate and getting rid of your car and taking the bus. We can do it. We can do it. How did you get in a car crash? Oh, I was just riding a motorcycle and there was, I basically just crashed it myself, I guess. This is the best way I can say it because it just happenstance that I ended just losing control of the motorcycle and crashing it. So do you have copays and shit coming up on going? I'm going to, but that's it said, the good thing is that it is only $4,000.

It could be worse. It could be 16. I'm just trying to figure out your monthly budget right now. I know. Okay, subscriptions, no, not even close, not for a fucking second. Savings. Lots of places can expose you to identity theft. Oh, no.

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I'd only take your match if even. Jim? No. How are you showering? There's actually a shower in my workplace that is attached to my... What's your phone bill? Free right now. Buddy, you have no excuses to be missing these payments.

This isn't even a budget. This isn't even a budget, man. This isn't even a budget. You have no payments outside of... I'm going to figure out your minimum monthly payments. I'm going to tell you what that is. but you have enough money. It's a joke.

It's because you're spending everything around. Choosing luxuries. Not even going to... It's not going to make a budget for. $1,267 a month plus your $1,70 or whatever and your car insurance. Include that all against everything. I mean, you have an extra $1,500 left over right now.

Start just tackling the debt. You can take care of the UW credit. You could take care of the ambulance. and you could start putting money towards the... Amazon card, or we're stockpiling until we get $3,000 so we can pay off that lease and then take the bus. Buddy, there's so many options here.

It's literally just being a child. So I'm going to use this. I'm going to use this as an option, as an opportunity to... I want this to be a wake-up call more than anything. You're really just acting like a child. You have plenty of money left over because of your current situation.

You're just choosing out to because you put in luxury. and things over it and you're being done with your money um yeah like yes and then you want to go to china and all this stuff okay whatever i don't know i want this to be a wake-up call this is not like a budget i can make for you i mean you have an extra thousand five hundred dollars stockpile that so you can pay off your lease take the bus and then tackle everything from minimum and then you'll have like a thousand dollars left over because you'll have a little bit more in rent but you won't have a car payment or car insurance so you have a thousand dollars left over okay

pay off your debt small so large just pay them off you could be done with these debts in a couple years you can be done with these debts in a couple years for a fully funded emergency fund it's called conservatively three years okay who cares you're 32 then you're contributing a decent amount to your retirement you no longer have a thousand hours in debt dumb payments so you can actually live for afford to live in a better place and at that point your wife will be here you guys can afford to live together you have a golden opportunity it's literally just choosing to so i i don't know what else to say and a lot of what you said towards the beginning really upset me and i'm really upset so we're

just going to go into the post show and hopefully my producers are going to come in enlighten the mood because i want to die hammer financial score of can't even think of anything joyful or funny to make obviously it's going to be a zero out 10 make sure to check out all resources linked in the description actually you probably have retirement we just don't know what it is that would bring your score up even know what it is because you don't know how to check. So Hamer financial score for you. Everyone stick around for the post show. You can join the membership in the link in the description below. We have a lot of extra fun things there. Fun unlike this. And you can also check out all the resources linked in the description below. They're what I use or would

use in specific situations, including the best budgeting program and best investing program. histories of the internet all put together for a low price. Posto. show. I have so much more fun gooning in your own house than your car. Caleb sometimes doesn't even come into work because he's busy gooning at home because he loves his place so much. And then, and then when I do get out, I continue the goon session. The car and the office, what do you think has been happening in this entire recording? We can't talk to Caleb before 1 p.m. because he says, this is my goon time and then he locks the door. To watch the financial audit post show, click the join button below.